With the continuous deepening of oil and gas resource development, the number of large cargo tankers is increasing rapidly, and the tankers need to heat and keep the cargo oil in the tanks during navigation. However, the traditional steam coil heating method has many problems, such as low thermal efficiency and large total fuel consumption, which will cause energy waste and increasing oil tanker transportation costs. Microwave heating technology has the characteristics of fast, uniform and efficient heating, and is widely used in petroleum extraction and viscosity reduction of heavy oil. This paper proposes a new heating method of steam-microwave composite heating to heat the cargo in the tanker cabin. Taking a VLCC side cabin as a prototype, a three-dimensional numerical scale model is established through COMSOL software to study the influence of thermal efficiency under different power distribution between steam and microwave. The research results show that when the total power is constant, the smaller the proportion of microwave power, the more beneficial it is to improve the heat transfer efficiency in oil heating. This research has important guiding significance for improving oil heating efficiency and saving energy consumption.